cibil

Hey guys, I need some advice. My CIBIL score dropped from 745 to 709 after a loan closure update. The only change in my report was that Asset Care updated my account from "Settled" to "Closed" on Feb 15, 2025. No other loans, credit card usage, or late payments were added. From what I...

Dear all, Iam planning for take home loan in March, but currently iam very Dipressed after this score Drop. Iam share some timeline for better Understanding- 5/01/25 - take gold loan (secured) and choose full payment after 1 years (basic+interest) not monthly interest pay. ( no ciblil enquiry...

Hi Team, Today I noticed my CIBIL dropped by 8 points and I can see a CIBIL hit by consumer loan without even me applying. I don’t know what’s happening. Also noticed I have received an SMS about it earlier. Please guide how shall I escalate and how do I remove the enquiry. I don’t even know...

Recently I got pre-approved credit card offers from Axis. Some days back, I applied from their app and everything went well and reference number was generated. However, today they called me saying the previous application details had been lost and they would apply for me. After some...

Been 45 days since I closed my loan it's still showing active. Worst part? Bank clearly updated it on 15th to cibil. Bank even shared me SRN and email. But cibil is taking forever to update for some reason? The customer service just says to wait.

I own HSBC Liv+ credit card who payment due date is 15 of every month (+3 day grace extra). I paid my bill on CHEQ on 9th feb and it showed successfully paid. Later on 18th, i got the payment revered to my account. CHEQ intimated me that payment was reversed by HSBC without sharing any proof. I...

Hi everyone, I have a total of around 20 credit cards, but my CIBIL report shows only 2, one of which is closed. Can someone help me understand how to fix this?

I'm a student. I was rejected for Ace via GPay in November. I opened a Liberty account a month ago. I needed an Axis card for an offer ASAP and chose secured MyZone LTF (16K, 20K FD) mostly because it was an emergency. During the online application (really easy btw), there was an optional...

Just checked my CIBIL score, and it’s looking 🔥809! 🎉💰 Hard work, smart credit usage, and on-time payments are paying off! Show off yours! Drop a screenshot of your CIBIL score in the comments and let’s celebrate those high numbers together. 📊💪 Who’s got the highest score here? Let’s brag a...

My wife had an Axis Vistara credit card which was lost in the month of April 2023. The last statement generated was on April 2023 and the amount was NIL. She had an excess amount of Rs.0.99 in her credit card. We blocked the card but it is still showing active under CIBIL. We contacted Axis...

Recently I checked my Credit score on CRED app, to my surprise it gave me CIBIL report, earlier it used to Experian.

I'm set for the next 25 years, lol. I purchased CIBIL subscription that will last until 2051! Did you buy any CIBIL plan in advance?

Our dear CIBIL (part of TransUnion) has started a Rewards Program. It simply states that : Give 100 & Get 100. Refer a friend and earn upto ₹1500 for every successful sign-up. The points you accumulate (maximum 1500 points) can be redeemed to renew your own subscription. How it Works? Share...

I have a CIBIL score of 800+ with a credit history of over 10 years and credit cards with a total limit of ₹15L from HDFC and ICICI. Recently, I decided to expand my portfolio to maximize rewards, so I closed my ICICI Coral card as it offered little value and had an annual fee. Later, I...

Hello Friends :), I wish to write to sbicard care for getting my (wrong) card number corrected in Cibil and Experian reports. I tried to use "mail us" option and there i am expected to write account number and IFSC and bank name. I am not sure "Which" account number they are asking. If it...

Hi, I have recently got a SBI CC with limit of 99k on 15th January, but as of now SBI has not reported it to CIBIL, what should I do for them to update new card in CIBIL ? TIA :)

1/ CIBIL has now introduced OTP authentication via both mobile and email for accessing your credit score and report. 📲📩 2/ Earlier, logging in required only a mobile OTP, which could be an issue if you didn't have your registered number with you. 3/ Now, with email OTP login, you can securely...

At this point, the bride’s uncle was against the marriage. He argued that the man, already burdened with financial difficulties, won’t be a suitable match for his niece as he won’t be able to provide financial security to his future wife. The other members of the woman’s family also agreed and...

Hii guys I recently got my first fd based credit card from idfc and started building my cibil it was 753 now it dropped to 706 😭 i had 4 credit card enquiry 2 hdfc one idfc and 1 axis is it normal for the cibil to drop so much after 4 enquiry my credit age us just 2 months old btw

Hi everyone, I’ve noticed some new updates on CIBIL’s official website, which I want to share with you all. Recently, CIBIL has changed its scoring algorithm. Now, the way CIBIL scores are updated has been modified. A score between 748-764 is now considered average. A score between 765-777...